{"id":11010,"date":"2025-09-01T07:39:26","date_gmt":"2025-09-01T07:39:26","guid":{"rendered":"https:\/\/simply.ch\/private-liability-insurance\/"},"modified":"2026-03-17T06:49:49","modified_gmt":"2026-03-17T06:49:49","slug":"private-liability-insurance","status":"publish","type":"page","link":"https:\/\/simply.ch\/en\/private-liability-insurance\/","title":{"rendered":"Private Liability Insurance"},"content":{"rendered":"\t\t
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Private liability insurance \u2013<\/span> your comprehensive protection against financial consequences<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tWith Zurich’s personal liability insurance, you can stay calm\u2014even when things go wrong. Protect yourself and your family from the significant financial consequences of minor mishaps. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRequest quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-private-liability-insurance-hero\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Why is private<\/span> liability insurance beneficial?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Stay calm when things go wrong<\/div>

Zurich covers compensation claims if third-party property is damaged or individuals are injured.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
365 days guaranteed round-the-clock assistance <\/div>

Immediate assistance 24 hours a day, 365 days a year.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
All persons living in the same household are insured<\/div>

From young to old.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\"Check\"<\/figure>
Worldwide coverage for rental vehicles and the use of third-party vehicles<\/div>

365 days a year.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Option to conclude a contract without a deductible.<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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How private liability<\/span> insurance protects you in everyday life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tZurich personal liability insurance protects you financially against damages you have caused\u2014whether to people or property. Additionally, Zurich assists in defending against unjustified liability claims. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Typical examples:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Damaged parquet flooring in a rented apartment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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A person is injured in a bicycle accident<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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Red wine was spilled on the carpet<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t
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Individual supplementary insurance<\/span> policies for even more security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Expand your insurance coverage flexibly with the following additional coverages:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Non-owner driver<\/div>

Worldwide protection for losses caused by the use of third-party vehicles (incl. rental vehicles, car-sharing, etc.) \u2013 365 days a year.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Cyber<\/div>

Protection against losses from accidental virus spread, online legal infringements and negligent handling of data.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Model aircraft & drones<\/div>

Insurance for aircraft requiring a permit (up to 30kg). Aircraft not requiring a permit are automatically included. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Teachers<\/div>

Insurance coverage for financial consequences arising from activities as a teacher, e.g., during excursions with students.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Riders of third-party horses<\/div>

Protection in case of an accident with a borrowed horse \u2013 incl. vet and equipment costs. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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What does private<\/span> liability insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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It covers when...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
You accidentally injure persons or damage\/destroy third-party property<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
You unintentionally lose third-party items<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Third parties make unjustified claims, and you incur defense costs as a result<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Insured household members (e.g., children) cause damage<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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It does not cover when...<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check-Cross\"<\/figure>
Damage is caused intentionally or willfully<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check-Cross\"<\/figure>
Damage occurs to commercially or professionally used items<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check-Cross\"<\/figure>
Damage is caused by war, terror, civil unrest or nuclear disasters occur<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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We're here<\/span> to help video consultation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Personal, digital, flexible: our video consultation answers your questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tBook your video consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-home-video\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Combo<\/span> discount<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tTake out multiple Zurich products (e.g., home and car) and benefit from attractive combination discounts.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Services<\/span> \u2013 immediate assistance and more!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Premium exemption<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you are incapacitated for work, you remain insured but pay no premiums<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t

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Gross negligence waiver<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tNo reduction for gross negligence\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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Home assistance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Handyman service, removal of wasp and bee nests, make arrangements for guard service, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t

\n\t\t\t\t<\/rect><\/path><\/svg>\t\t\t<\/div>\n\t\t\t
\n\t\t\t\t<\/rect><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Frequently asked questions<\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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1. Is private liability insurance mandatory?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

No, it is not mandatory in Switzerland, but highly recommended.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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2. What sums insured are available?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

You can choose between CHF 5 million, CHF 10 million, CHF 15 million or CHF 20 million.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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3. Who is liable for children?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

Children are co-insured under their parents\u2019 private liability insurance, regardless of whether they are with you or under the supervision of friends\/grandparents. At a daycare, the institution is generally liable. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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4. Does the protection also apply to self-employed individuals?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

Yes, for certain professions up to CHF 40,000 annual sales. Restrictions apply to other self-employed activities. We would be happy to clarify details in a consultation. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Private liability insurance \u2013 your comprehensive protection against financial consequences With Zurich’s personal liability insurance, you can stay calm\u2014even when things go wrong. Protect yourself and your family from the significant financial consequences of minor mishaps. Request quote Why is private liability insurance beneficial? Stay calm when things go wrong Zurich covers compensation claims if […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11010","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nPrivate liability insurance advice in Switzerland | simply<\/title>\n<meta name=\"description\" content=\"Get independent advice from simply on private liability insurance in Switzerland. 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